Aerial view of 34104, Florida

34104 (Naples)
Homes for Sale & Housing Market

ZIP code market report · Collier County

Median sale price $570,000, down 2.2% year over year, with homes going under contract in about 59 days, 571 homes on the market.

71 communities reporting1,353 sales analyzedRefreshed twice dailyMomentum Score 46
Live Market Pulse
46/100
Momentum
Buyer's Opportunity
Buyers are negotiating roughly 7% off asking. Recalculated every day from licensed MLS data · last refresh September 16, 2026 at 7:48 PM ET.
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Live · 34104 Housing Pulse Licensed FL MLS feeds + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$570K
Median sold · 12 moConfidence: High
down 2.2% vs the prior 12 months
-2.2%
1-yr price change
n = 1,353 recent sales
$327/sf
Sold $/sqft · 12 mo
Collier County: $327 · -4.5% vs prior yr
93.5%
Sale vs ask
Collier County: 91.0% · -0.2pp vs prior yr
$554K
Collier County home value
Zillow ZHVI, monthly · -3.6% vs a year ago
Tempo
59days
Median DOM · closed
Collier County: 74 days · +7.0 days vs prior yr
24%
Under contract
Collier County: 24%
571 · 162 ▲12
For sale · pending
live counts, refreshed twice daily
Market context
18%
Listings with price cuts
Collier County · Zillow · -2.7pp vs prior month
6,306
County for-sale inventory
Zillow, monthly · -9.6% vs prior month
15%
New construction
share of recent sales · -0.9pp vs prior yr
46/100
Momentum score
Buyer's Opportunity
71
Communities reporting
of 100 tracked in 34104
Economy & people · county layer
$86,173
Median household income
U.S. Census ACS, county
387,681
County population
+6.5% since 2018
6.4×
Price to income
county home value vs median income
76%
Owner-occupied
U.S. Census ACS, county
$3,219/yr
Median property tax
county, ACS
Licensed FL MLSZillow ResearchU.S. Census ACSPublic records
$3.5B+ sold 10,000+ customers served Top 1% in Florida · RealTrends 800+ five-star reviews Licensed FL MLS data Updated daily
Today's Take · September 16, 2026
Jon Brooks
Jon Brooks
Co-Founder, Momentum Realty · CEO, Momentum Research
Housing Market Analyst

24% of listed homes are already under contract. Prices are down 2.2% versus the prior year, but sellers are still collecting 93.5% of asking. Taken together, the data points to a broadly balanced market where preparation decides who wins.

What It Means

Who has leverage right now

BUYER'S SELLER'S 46
Momentum Score
Buyer leverage54
Seller leverage46

Leverage scores are derived from the Momentum Score (supply, demand, speed, pricing power, and trend). Right now the data favors neither side decisively.

Momentum Outlook
  • Inventory — tightening over the tracked window; watch whether that holds through the season.
  • Negotiating power — buyers gain ground as 24% of inventory sits under contract.
  • Mortgage sensitivity — at 6.4× income, this market is highly sensitive to rate moves; rate relief tends to show up in demand here quickly.

Derived from current 34104 data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.

Supply by Price Band

One inventory number hides four different markets

Under $300K
mo · buyer-tilted · 110 active
$300K–$500K
mo · buyer-tilted · 71 active
$500K–$750K
mo · buyer-tilted · 382 active
$750K+
mo · buyer-tilted · 8 active

Months of supply = active listings ÷ monthly sales pace, bucketing communities by their recent median. 3–6 months is the balanced band.

Neighborhood Heat Map

Where 34104 is hot — and where it isn't

Each dot is a community (71 shown, sized by sales volume rank). Click any dot to open its full neighborhood guide.

Analysis

The read on 34104 (Naples)

The median sale price across 34104 currently stands at $570,000, down 2.2% from a year ago. Buyers are paying a median of $327 per square foot. The typical home goes under contract in about 59 days. Sellers are capturing 93.5% of their original asking price on average.

There are 571 active listings on the market, with 162 more already under contract.

Zillow's home value index for Collier County stands at $553,841. About 18% of listings county-wide have taken a price cut — a useful gauge of seller flexibility.

Weighing supply, demand, speed, pricing power, and trend together, the Momentum Score for 34104 is 46 of 100 — buyer's opportunity territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of September 16, 2026.

Trends & History

34104 since 2012 — and where it’s heading

A median home here sold for $130,000 in 2012 and $493,538 over the last recorded year — 280% appreciation across 14 years of recorded sales.

Median sale price · 2012–2026 (20,732 recorded sales)

$122K$321K$520K$494K2012: $130K2013: $164K2014: $190K2015: $220K2016: $246K2017: $260K2018: $271K2019: $274K2020: $285K2021: $329K2022: $461K2023: $489K2024: $513K2025: $511K2026: $494K20122015201920232026

Days on market by year

11d46d80d59d2012: 68d2013: 79d2014: 42d2015: 38d2016: 36d2017: 46d2018: 51d2019: 60d2020: 56d2021: 17d2022: 13d2023: 35d2024: 42d2025: 52d2026: 59d20122015201920232026

Home value trend · Collier County (Zillow ZHVI)

$553K$564K$575K$554KJul '25: $574KAug '25: $569KSep '25: $565KOct '25: $562KNov '25: $561KDec '25: $560KJan '26: $560KFeb '26: $560KMar '26: $560KApr '26: $559KMay '26: $556KJun '26: $554KJul '26: $554KJul '25Oct '25Jan '26Apr '26Jul '26

For-sale inventory · county (Zillow)

6,2697,1858,1006,306Jul '25: 7,702Aug '25: 6,984Sep '25: 6,475Oct '25: 6,377Nov '25: 6,603Dec '25: 6,910Jan '26: 7,328Feb '26: 7,686Mar '26: 8,064Apr '26: 7,999May '26: 7,628Jun '26: 6,972Jul '26: 6,306Jul '25Oct '25Jan '26Apr '26Jul '26

Daily active vs pending · Collier County (MLS)

9632,8124,661Aug 22 · Active: 4,588Aug 23 · Active: 4,585Aug 28 · Active: 4,541Aug 29 · Active: 4,553Aug 30 · Active: 4,544Aug 31 · Active: 4,540Sep 07 · Active: 4,468Sep 09 · Active: 4,461Sep 11 · Active: 4,499Sep 12 · Active: 4,487Sep 13 · Active: 4,481Sep 14 · Active: 4,480Sep 15 · Active: 4,496Sep 16 · Active: 4,508Aug 22Sep 09Sep 16ActivePending

Median price · daily recalculation

$546K$570K$594K$570KAug 06: $570KAug 08: $570KAug 09: $570KAug 10: $570KAug 11: $570KAug 12: $570KAug 13: $570KAug 15: $570KAug 17: $570KAug 18: $570KAug 19: $570KAug 20: $570KAug 21: $570KAug 22: $570KAug 23: $570KAug 24: $570KAug 26: $570KAug 28: $570KAug 29: $570KAug 30: $570KAug 31: $570KSep 01: $570KSep 04: $570KSep 05: $570KSep 06: $570KSep 07: $570KSep 08: $570KSep 09: $570KSep 10: $570KSep 11: $570KSep 12: $570KSep 13: $570KSep 14: $570KSep 15: $570KSep 16: $570KAug 06Aug 17Aug 28Sep 08Sep 16
Local Economics · county layer

What’s driving 34104

Who’s moving here
+2,411 net residents/yr

Top inbound states: IL, NY, MA, NJ. Movers arriving report ~$283,468 average income. Source: IRS SOI county-to-county migration, 2022-2023

Insurance reality check
$2,147/yr avg premium

2,002 Citizens policies in force in Collier County — the state-backed insurer of last resort. Budget insurance into any Collier purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026

Building pipeline
2,736 units permitted -22% YoY

1,945 single-family · 791 multi-family · 7.1 per 1,000 residents. Future supply pressure starts here. Source: U.S. Census Bureau, Building Permits Survey, 2025

Momentum Research Desk

The calls we’re making from today’s data

Biggest move
Avalon ▼ 36%

The sharpest 1-yr median swing among tracked communities. Thin samples can exaggerate swings — verify with a comp analysis before treating it as trend.

What we’re telling clients today

Both sides have a case: buyers should negotiate on days-on-market, sellers should lean on the under-contract rate. Preparation, not the market, decides who wins a balanced tape.

Generated from today’s data by Momentum’s analysis engine and reviewed on a rolling basis by our broker team.

Compare Markets

Nearby ZIP codes in Collier

MarketMedianActiveScore
34104 ← this page$570K57146
34102$570K60244Open →
34114$675K56244Open →
34105$570K56049Open →
34145$1.34M38841Open →
34119$808K38148Open →
Community Movers

Neighborhoods on the move

Prices rising fastest
Windjammer Village Of NaplesNaples$212K▲ 12%
The ShoresNaples$515K▲ 8%
SherwoodNaples$320K▲ 7%
Madison ParkNaples$708K▲ 6%
FoxfireNaples$613K▲ 4%
Prices cooling fastest
AvalonNaples$415K▼ 36%
Chatham SquareNaples$266K▼ 24%
Naples Bath And Tennis ClubNaples$262K▼ 20%
Villages At Emerald LakesNaples$274K▼ 20%
Saratoga ColonyNaples$322K▼ 17%
Most homes for sale
Golden Gate EstatesNaples$570K345
Glades Country ClubNaples$197K31
Naples Bath And Tennis ClubNaples$262K12
BrooksideNaples$528K7
NewcastleNaples$247K7
Selling fastest
FoxfireNaples$613K13 days
AvalonNaples$415K30 days
Madison ParkNaples$708K32 days
New WaterfordNaples$308K35 days
MaplewoodNaples$480K36 days
Explore Deeper

Cities in this ZIP

Most active communities

Keep Going

Put this data to work

Plain Answers

The questions people actually ask

Should I buy a house in 34104 right now?

The data says conditions currently favor neither side decisively in 34104 — the Momentum Score reads 46/100. For buyers that means preparation over hesitation: well-priced homes still move fast, but there is more room to negotiate than a year ago. The right timing always depends on your rate, your equity, and how long you plan to stay — not just the market.

Is 34104 becoming more affordable?

Yes, modestly — the median sale price in 34104 is $570,000, down 2.2% versus the prior year, while sellers still capture 93.5% of asking price. Softening prices plus normal-length marketing times mean affordability is improving at the margin, though financing costs matter more than list prices for most monthly payments.

Where are prices falling fastest in 34104?

Among tracked communities with enough sales to measure, the sharpest 1-year median declines are Avalon (-36%); Chatham Square (-24%); Naples Bath And Tennis Club (-20%). Note that community-level medians move on small sale counts — a few high- or low-end closings can swing them — so treat these as leads for a comp analysis, not verdicts.

Which 34104 neighborhoods are most competitive?

Measured by speed of sale, the fastest-moving tracked communities right now are Foxfire (13 days); Avalon (30 days); Madison Park (32 days) — homes there go under contract well ahead of the market-wide pace of 59 days.

Questions

34104 (Naples) housing market FAQ

How is the housing market in 34104 right now?

As of September 16, 2026, the 34104 housing market is roughly balanced: the median sale price is $570,000 (down 2.2% year over year), 571 homes are for sale, and the typical home goes under contract in about 59 days.

How much is a house in 34104?

The median home sold for $570,000 in 34104 over the last 12 months, about $327 per square foot; asking prices on the 571 current listings run from well below to well above that, and the community pages linked below show what each neighborhood actually sells for.

Is it a good time to sell a house in 34104?

By the numbers, sellers in 34104 are getting 93.5% of asking price and going under contract in about 59 days. Whether it is a good time for you depends on what you paid and where you are going next, which is a conversation with an agent, not a chart.

What is the 34104 housing market forecast?

Momentum Realty publishes the recorded trend, not a prediction: 34104 median sale prices are down 2.2% year over year, and 24% of listings are under contract. The charts on this page update with every MLS refresh, so the direction shows up here before any forecast catches it.

What is the median home price in 34104?

The median sale price in 34104 is currently $570,000, down 2.2% from a year ago, based on MLS sales data updated September 16, 2026.

Is 34104 a buyer's or seller's market right now?

The data currently is roughly balanced. 34104 scores 46 of 100 on the Momentum Score. Conditions change; this page updates daily.

How long do homes take to sell in 34104?

The typical home in 34104 goes under contract in about 59 days, per current MLS data.

How many homes are for sale in 34104?

There are approximately 571 active listings in 34104 as of September 16, 2026.

Are home prices in 34104 rising or falling?

Median sale prices are down 2.2% year over year based on a rolling comparison of MLS sales.

Put this data to work

Momentum agents use this intelligence every day to price listings and write winning offers across 34104 (Naples). Talk through what the numbers mean for your move.

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Methodology & Accountability

Every number on this page is computed directly from licensed Florida MLS feeds, recorded public sales, Zillow Research, and U.S. Census data — nothing is manually adjusted or estimated by hand. Medians use recorded closed sales; supply figures use live listing counts refreshed twice daily; the Momentum Score methodology is summarized .

Analyst oversight: Jon Brooks — Co-Founder, Momentum Realty · CEO, Momentum Research · Housing Market Analyst · methodology reviewed quarterly · Last data refresh: September 16, 2026 at 7:48 PM ET

Find homes What's my home worth?

Statistics on this page are computed automatically from licensed MLS feeds and public data sources (Zillow Research, U.S. Census Bureau) and summarized without manual review. Figures are estimates based on recent recorded activity, are deemed reliable but not guaranteed, and should be verified with a licensed agent before making decisions. This page does not constitute an appraisal or an automated valuation of any specific property. Momentum Realty is licensed in Florida and Georgia. Equal Housing Opportunity.

Selling in this ZIP? Weigh the numbers first: the Florida sell-now-or-wait scoreboard, why 201,552 Florida listings failed to sell in 12 months, and cash offer vs. listing, both numbers. Compiled from MLS records; deemed reliable but not guaranteed.